If they are rejecting you because of information they have (the Virgin Money card) they may not even do a bureau enquiry. Depends on how their decisioning systems are setup but bureau enquiries cost money so some/many credit providers wont even go to the bureau if they already have info about you that would by iteself reject your application. I suspect this is the case for Citi, I too got rejected for a Citi card, had no credit enquiry lodged and hence suspect it was purely due to a recent Virgin Money card application.I got rejected online (I am guessing it's because I applied and received the Virgin Money card the month before). This was in early June. No enquiry on Credit Savvy as of July. How long does it take?